there's late reports egypt is closing borders to israel. that's not confirmed, but traders are talking about that. today, it seems even after a bullish weekly energy report, prices are going back down, especially here in the u.s.. those concerns about the fiscal cliff and weakening demand is really hurting prices right now. back to you. dennis: thunk phil flynn. cheryl: shoppers, mortgages are being sold in aisle 5. seriously. banks continue to make it tougher to refinance, and costco and wal-mart offer lopes and even business loans. professor at george mason, says the banks have nobody to blame but themselves. anthony, thank you for being here. consumer groups, advocate groups up in arms about this saying regulation needs to come down on retailers. that far into this now? >> well, the answer is this is a classic example of adam smith's invisible hand. we went through, put through the dodd-frank legislation, created a consumer protection bureau to tighten down on this stuff, and what happens? the market finds a way. they did. they go to cos